Credit Card Rates and Charges
| Annual Percentage Rate (APR) for purchases | Visa Platinum 9.49%, 12.99%, 15.99% or 18.00% (based on your creditworthiness) Visa Classic 9.90% |
|---|---|
| Balance Transfer APR | Visa Platinum 9.49%, 12.99%, 15.99% or 18.00% (based on your creditworthiness) Visa Classic 9.90% |
| APR for Cash Advances | Visa Platinum 9.49%, 12.99%, 15.99% or 18.00% (based on your creditworthiness) Visa Classic 9.90% |
| How to avoid paying interest on purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. |
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $2.00. |
| For Credit Card Tips from the Consumer Financial Protection Bureau |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
| Cash Advance Fee | 2% minimum or $2, maximum fee of $10 |
| Late Fee | Up to $25.00 |
| Return Payment Fee | Up to $25.00 |
| Minimum Payment | 2.5% minimum or $25.00 |
| Foreign Transaction Fee | 1% of the transaction amount in U.S. dollars |
How We Will Calculate Your Balance:
We use a method called “average daily balance (including new purchases).”
Minimum Interest Charge:
The minimum interest charge will be charged on any dollar amount.
Effective Date:
The information about the costs of the card described in this application is accurate as of: July 08, 2024
This information may have changed after that date. To find out what may have changed, contact the Credit Union at (800)-324-8259.
Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a
payment.
Cash Advance Fee (Finance Charge):
$2.00 or 2.00% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $10.00.
Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.